And, "heya" to you, Smitty!
Is there any difference between a template, which you call up, save it with a new filename.ext, such as "Bank ABC.xls", and a blank, regular Excel file called, say, Bank 000.xls, which you call up and save with a new filename.ext, such as "Bank ABC.xls"? What advantage is there in using a template, versus using a regular .xls as the "template"?